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NFCU - When to ask for CLI?

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Valued Contributor

Re: NFCU - When to ask for CLI?

Yeah yeah Duncan way to rub it in our faces with your stinkin 25k limit! Lol



As far as SP's go I'm sure if you request a cli online and it goes to further review it will result in a HP
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 11 of 29
Established Contributor

Re: NFCU - When to ask for CLI?

Well, you guys know by now that I love a SP increase, given all of the ones I have gotten from Walmart!  After reading this thread I went to NFCU's website and did an online request also.  I asked for an increase of $5,000, they countered with $2,000, so I took it.  My limit is now $22,000 with Navy.  Thanks OP for starting this thread!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 12 of 29
Valued Contributor

Re: NFCU - When to ask for CLI?

@rootpooty Smiley Wink
I'm not sure if ill request a CLI. I have other things like CSP and SPG I want first.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 13 of 29
Established Contributor

Re: NFCU - When to ask for CLI?

I had the Cash Rewards for about 2 months and went from 1.5k to 6k, and it was a HP.

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 14 of 29
Established Contributor

Re: NFCU - When to ask for CLI?

You're welcome Les!  Smiley Happy  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Message 15 of 29
Senior Contributor

Re: NFCU - When to ask for CLI?


electra wrote:

You're welcome Les!  Smiley Happy  

 

So, did they do a HP or SP?

 

I'm scared to request it.  I still can't believe they gave me an unsecured card and even though my score is up 100-ish points since then (in only 2-ish months), I worry they will turn me down AND HP.   Working SO hard to try to get score up...don't want a ding for nothing.


I think the only way to ensure that it's only a SP is to have your CRs frozen. When you app for a CLI online, the line above the submit button authorizes them to check your credit and doesn't distinguish between hard or soft. IMO, if it's only been 2 months, the likelihood is they're going to do a HP.

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 16 of 29
Valued Contributor

Re: NFCU - When to ask for CLI?

I got mine at the 3th month mark.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 17 of 29
Established Contributor

Re: NFCU - When to ask for CLI?

What a great option to apply for a cli online with nfcu.Are they the only cu you can apply online for increase in limit?

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 18 of 29
Established Contributor

Re: NFCU - When to ask for CLI?

jsickz32, did you request it or was it auto CLI?



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Message 19 of 29
Valued Contributor

Re: NFCU - When to ask for CLI?

I requested it.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 20 of 29